November 2019 Archives

Planning for Retirement, Social Security and Medicare

When families are gathered around the living room spending time with an elderly loved one, the topic of estate planning may sometimes arise. However, it is most often discussed involving the distribution of assets and family heirlooms. Many families fail to consider estate planning when it pertains to matters such as retirement, Social Security, and Medicare. These issues matter greatly, often having much more impact than expected on an estate once a loved one passes away.

Questions to ask before signing a commercial lease

You have a solid idea for a new business, and now, you need to find a place from which to run it. Commercial leases are often considerably different than residential ones. In many cases, commercial tenants have far more responsibilities than residential tenants. Thus, it is always a good idea to make sure you thoroughly understand the terms of a commercial lease agreement before signing it. Failing to do so can potentially land you in considerable trouble somewhere down the line.

How does a Chapter 13 bankruptcy work?

The main purpose of a Chapter 13 bankruptcy is to consolidate debt and stop foreclosure or repossession. It extends payments over a longer length of time to allow a debtor to pay an amount he or she can afford monthly. Creditors may not pursue collection actions or asset seizure while a debt is in an active bankruptcy. Payments are calculated on either a three or five year plan. The goal is for all accounts to be current and in good standing at the completion of the Chapter 13 plan.

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